Plans

Providing Health Insurance That Fits Your Healthcare AND Financial Needs

Raffles Shield Plans complements your MediShield Life. We have developed 4 different plans to cover for most healthcare needs. We do also understand, that we are all different and might have different aspirations. This is why we have developed special options and riders so you can tailor make your plan to fit YOU.

Extend your MediShield Life coverage with Our Raffles Shield Plans!

Check out the highlights of our various Raffles Shield plans below!

MediShield Life
Mandatory Health Insurance For All Singapore Citizens (SC) & PRs

Highlights

43% coverage on B1 class hospitals for SC
35% coverage in Private Hospitals
Basic coverage on inpatient and outpatient treatments
Policy Year Limit is $100,000

Raffles Shield Private
Get Everything Taken Care Of – Including Access To All Private Hospitals

Highlights

100% coverage up to single bed class wards in private hospitals
Waiver of premium for insured (Child)
Pre-Hospitalisation Treatment: As Charged (Up to 180 Days)*
Post-Hospitalisation Treatment: As Charged (Up to 365 Days)*
Most outpatient and inpatient treatments covered as charged
Policy Year Limit is $1,500 000 for in-panel and $600,000 for non-panel treatments
Possibility to tailor make your plan

Raffles Shield A
Gain Better Access To A Class Wards In Public Hospitals

Highlights

100% coverage up to A class wards in public hospitals
70% proration at Raffles Hospital
Waiver of premium for insured (Child)
Pre-Hospitalisation Treatment: As Charged (Up to 180 Days)*
Post-Hospitalisation Treatment: As Charged (Up to 365 Days)*
Most outpatient and inpatient treatments covered as charged
Policy Year Limit is $600,000
Possibility to tailor make your plan

Raffles Shield B
Triple Your MediShield Life Yearly Limit

Highlights

100% coverage up to B1 class wards in public hospitals
Waiver of premium for insured (Child)
Pre- and Post-Hospitalisation Treatment: As Charged (90 Days)
Most outpatient and inpatient treatments covered as charged
Policy Year Limit is $300,000
Possibility to tailor make your plan

Raffles Shield Standard
A Top-Up To Your MediShield Life Insurance

Highlights

100% coverage on B1 class hospitals for SC
50% coverage in Raffles Private Hospitals
Increased coverage on inpatient and outpatient treatments
Policy Year Limit is $150,000

*Full details are available in the Benefit Table.

Discover the full benefit table to compare all the plans in details.

Need to tailor your plan? Check out our Special Options and Riders

If you choose Raffles Shield Private, Raffles Shield A or Raffles Shield B, you can add special options and/or riders to tailor a plan according to your needs!

Raffles Hospital Option

Add this option to Raffles Shield A to get 100% coverage at Raffles Hospital (all wards) and incur lower premiums at the same time (as compared to a full private plan)!

For: Raffles Shield A only

Do you want to replace the deductible and co-insurance with a 5% co-payment on every claim instead? Choose Key Rider.

For: Raffles Shield A, Raffles Shield B, Raffles Shield Private (all without High Deductible Option)

Do you want lower premiums for higher deductible ($10,000)? Choose High Deductible Option.

For: Raffles Shield A, Raffles Shield B, Raffles Shield Private

Note: Key rider is not applicable with High Deductible Option.

Do you want additional benefits? Choose Premier Rider.

• Accommodation expenses for an Immediate Family Member
• Post-Hospitalisation Traditional Chinese Medicine
• Post-hospitalisation home care
• Emergency outpatient treatment due to accident
• Ambulance services

For: Raffles Shield A, Raffles Shield B, Raffles Shield Private

Need Detailed Product Information?

View our Product Summary for more information on our plan benefits and premium tables!

Always There For You?

Of Course.

Need An Appointment With Specialists?
We will assist you with specialist appointment bookings and healthcare advice.

Need Pre-Authorisation Of Treatment? We will help you in getting the treatment authorised prior to your hospital admission to ensure a smooth claim procedure.

Need To Enroll In The Raffles Care Management Programme? We will coordinate with the Raffles Medical Primary Care Network (PCN) to help you register in the programme and arrange your doctor’s appointments.